HardenUp — turn home upgrades into insurance discounts

Your policy

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Current annual premium $4,820 Time you'll stay / planning horizon 5 yrs Used for payback and net-savings math. Carrier mitigation discount cap 20% Most programs cap total stacked mitigation credit. CA AAA's caps near 12.5%. Upfront budget for upgrades $2,500

Filter

Sort upgrades by Only regulation-backed discounts

Your hardening plan

Export the upgrades you've selected, grouped by what's in your plan vs. optional.

Insurability score

Higher = lower chance of non-renewal

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With plan —

Premium

Estimated annual

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Upgrades

regulation-backed voluntary credit

Estimates only. Discount percentages, eligibility, and non-renewal decisions are set by each carrier and state regulator. California figures reference the Department of Insurance "Safer from Wildfires" rate program (effective 2023, reviewed 2026 under AB 1). Verify any credit with your agent before relying on it.